[pjc50]

> The legislative failure has created vast administrative overhead (10, or more, staff per doc at a hospital) and corrupt insurance companies.

Other way round: the corrupt insurance companies have created legislative failure, through entirely legal bribery and entirely legal lying to legislators and the public.

Mind you, the public are hardly blameless in this, given that detailed careful policy wonkery is boring and yelling about grand conspiracies is far more exciting, many have chosen to indulge in the latter.